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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,320 | $167,522-18.6% | $151,639-10.1% | $134,532+1.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -9.71% | 7.81%-17.5pp | 3.34%-13.1pp | 418.27%-428.0pp |
| Employer contribution / active EE | $6,040 | $6,828-11.5% | $6,165-2.0% | $4,741+27.4% |
| Participant deferral / active EE | $14,274 | $8,986+58.8% | $8,363+70.7% | $6,401+123.0% |
| Admin fee / account holder | $3,563 | $13,780-74.1% | $11,613-69.3% | $11,429-68.8% |